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A Proposal to Create a Staff of Claims Professionals   

https://zalma.com/blog

To avoid claims of breach of contract, bad faith, punitive damages,  unresolved losses, and to make a profit, insurers must maintain a claims  staff dedicated to excellence in claims handling. That means they  recognize that they are obligated to assist the policyholder and the  insurer to fulfill all the promises made by the insurer in the wording  of the policy.  An insurer can create a claims staff dedicated to excellence in claims  handling by, at least:  Hiring insurance claims professionals. If claims professionals are not available to hire away from other  insurers, the insurer must be able to train all members of the existing  claims staff to be insurance claims professionals. Training each member of the claims staff annually on the local fair  claims settlement practices regulations. Supervising each claims handler closely to confirm all claims are  handled professionally and in good faith. Explaining to each member of the claims staff the meaning of the  covenant of good faith and fair dealing. Making clear to each member of the claims staff that it is the position  of the insurer that all insureds and claimants are to be treated fairly  and in good faith. Demanding excellence in claims handling from the claims staff. Being ready to dismiss any claims handler who fails to treat every  insured with good faith and fair dealing.  If any experienced claims professionals exist on the insurer\\u2019s staff the  insurer must cherish and nurture them and use their experience and  professionalism to train new claims people. If none are available, the  insurer has no option but to train its people from scratch using  available materials and professionals who have \\u2013 for a reasonable fee \\u2013  the ability to properly and effectively train claims personnel.  \\xa9 2021 \\u2013 Barry Zalma  Barry Zalma, Esq., CFE, now limits his practice to service as an  insurance consultant specializing in insurance coverage, insurance  claims handling, insurance bad faith and insurance fraud almost equally  for insurers and policyholders. He also serves as an arbitrator or  mediator for insurance related disputes. He practiced law in California  for more than 44 years as an insurance coverage and claims handling  lawyer and more than 52 years in the insurance business. He is available  at http://www.zalma.com and zalma@zalma.com.  Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE  Legend Award.  Over the last 53 years Barry Zalma has dedicated his life to insurance,  insurance claims and the need to defeat insurance fraud. He has created  the following library of books and other materials to make it possible  for insurers and their claims staff to become insurance claims  professionals.  Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma;  Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library \\u2013 https://zalma.com/blog/insurance-claims-library/ Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts; and the last two issues of ZIFL at https://zalma.com/zalmas-insurance-fraud-letter-2/  podcast now available at https://podcasts.apple.com/us/podcast/zalma-on-insurance/id1509583809?uo=4